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Change to accessing loan redraw On 20 March 2026, we made changes to the settings for your available redraw in your loan account. For more information, visit our Access Redraw webpage.  Last updated: 14 April 2026 The information contained in this article is only correct at the point of time of publication. It is general information […]

Easy Street scoops major home loan awards  Winners are grinners, right? And our home loan customers can celebrate with us, knowing they’re onto a winning loan! The corks are popping, the whistles are blowing, and we’re still celebrating here at Easy Street! That’s because we’ve just taken out two major home loan awards. And best […]

Enhanced security and smarter banking in our update mobile app We’re excited to share news about the latest release of our enhanced Easy Street Mobile Banking app – delivering stronger security, smarter tools and a more personalised experience for our members. Stronger Security Upgrades This app update will allow for the addition of Confirmation of […]

Phase 2 of Confirmation of Payee In March 2026, we completed the rollout of Confirmation of Payee, an industry-wide service that matches account details entered by a payer with the account details held by the receiving bank, in order to help reduce scams and mistaken payments. It’s a new layer of protection for Australian consumers […]

Mobile banking app updates Enhanced Security and Smarter Banking in Our Updated Mobile App. We’re excited to share news about the latest release of our enhanced Easy Street Mobile Banking app – delivering stronger security, smarter tools and a more personalised experience for our members. Stronger Security Upgrades This app update will allow for the […]

Change to savings interest rates We’re making changes to our savings account interest rates. Flex Saver Effective today, 20 March 2026, the interest rate on Flex Saver accounts for balances up to and including $3 million will increase by 0.25% p.a. Balances over $3 million will continue to not earn interest.  Product no longer available […]

Split loan repayment calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. “Credit eligibility criteria, terms & conditions, fees & charges apply. Rates are current as at 10/04/26 and are subject to change without notice. Your interest rate and […]

2026 Public Holiday Closures Our Call Centre will be closed on the following days New Years Day Closed Thursday 1 Jan 2026 Australia Day Closed Monday 26 Jan 2026 Easter Closed Friday 3 Apr – 7 Apr 2026 Anzac Day Closed Saturday 25 Apr and Monday 27 Apr 2026 Kings Birthday Closed Monday 8 June […]

Open Banking Update We’re making some updates and improvements to Open Banking. As a Data Holder under Consumer Data Right (CDR), Easy Street must ensure that we meet the standards and requirements of the Consumer Data Standards for Open Banking. To do this, we’ll be making some updates and improvement to Open Banking. These changes […]

Products no longer offered Effective from the 18th of February 2026, the following products will no longer be available for new accounts: Easy Street Fixed Personal Loan Easy Low Rate Credit Card Easy Savings account Bonus Saver account Existing account holders will not be impacted in any way, you can continue to use the account […]

Flex Saver account Earn more. Do less. Flex Saver account Standard rate Variable interest rate calculated daily, paid monthly on balances up to $3 million: 4.80%p.a. 1 Applies to new and existing Flex Saver accounts. No fuss There’s no minimum regular deposit and no transfer fees to move your money around. No hoops There’s no interest […]

Products no longer offered On this page you can find information and interest rates for our retired savings account and loan products  Retired savings and loan products The products below are held by existing members, but are no longer available for new accounts or top ups. Easy Savings account The key attributes of the Easy […]

Change to savings interest rates and fees We’re making changes to our savings account interest rates and some fees. Change to Easy Savings Account interest rate Effective today, 13 February 2026, the interest rate on the Easy Savings Account increased by 0.25% p.a.  Change to Bonus Saver interest rate Effective 1 March 2026, the Bonus […]

Australia Day 2026 Our call centre will be closed on Monday 26th January 2026 for Australia Day. You can still check your account balances or make transfers using Easy Street Internet Banking and Mobile Banking.

How to stay secure online We recognise that security for communications and transactions over the internet is of prime importance. Following are just some of the important measures we take in order to protect you. We recognise that security for communications and transactions over the internet is of prime importance. Following are just some of […]

Changes to transaction limits Effective from 18 February 2026, we’ll be updating the card and transaction limits. These changes will bring greater convenience and flexibility to manage your everyday banking. For more information on daily limits, refer to our Summary of Accounts, Access Facilities and Transaction Limits here in Disclosure Documents.

How Much Home Equity Do You Really Need Before You Invest? If you’ve owned your home for a number of years, chances are you’ve built up some equity. It’s a great tool to grow wealth. But only some of it may be available to invest in a rental property. There’s no doubt about it. Our […]

A guide for Authority to Operate Who is this for? This guide is for account owners. It explains what an Authority to Operate (ATO) is and how it works. It is also available for the person you give authority to (your ‘Authorised Signatory’) to help them understand their responsibilities and limitations when accessing your bank […]

Your application is now submitted Thanks for applying! Our team will be working to progress your application shortly. What happens next? We may request additional information or details to support your application.  We’ll be in touch with you shortly to let you know what we need to progress your application. For any questions along the […]

Your application is now submitted Thanks for applying! Our team will be working to progress your application shortly. What happens next? We may request additional information or details to support your application.  We’ll be in touch with you shortly to let you know what we need to progress your application. For any questions along the […]

Your application is now submitted Thanks for applying! Our team will be working to progress your application shortly. What happens next? We may request additional information or details to support your application.  We’ll be in touch with you shortly to let you know what we need to progress your application. For any questions along the […]

Shift away from product codes We’ve recently began to shift away from using product codes to reference your accounts. For example, L22, S11, etc. Instead, we’ll simply reference your actual account number across banking services and communications. The legacy of using product codes also created confusion for members at times. As these are often shown […]

Confirmation of payee coming from 1 December 2025 From the 1st of December 2025, we’ll be taking another step towards enhancing protection against scams and fraud. Confirmation of Payee is an industry-wide service that matches the bank account details entered by a payer with the account details held by the recipient’s bank and displays a […]

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How buy now pay later could impact your credit score  Buy Now, Pay Later (BNPL) may seem like an easy way to spread the cost of purchases, but it could come with a costly sting in the tail.   Credit reporting agency Equifax reports BNPL applications surged 30% in the June quarteri, and the trend could […]

2025 Notice of Community First Credit Union’s Annual General Meeting Community First Credit Union will be holding their 66th Annual General meeting Held on Thursday 27 November 2025 at 2:00pm (AEDT) 2025 NOTICE OF ANNUAL GENERAL MEETING   Notice is given that the 66th Annual General Meeting of Community First Credit Union Limited (“Community First”) […]

Quick Exit Family Violence Support We’ll support you if you’re impacted by family violence or financial abuse. Call 000 if you are in immediate danger.  What is family violence Family violence is a pattern of abusive behaviour where one person uses power and control over another within a family or intimate relationship. It encompasses various […]

Labour Day Public Holiday Closure Our call centre will be closed on Monday 6th October for Labour Day and re-open as normal on Tuesday 7th October.  You can still check your account balances or make transfers using Easy Street Internet Banking and Mobile Banking.

What is a split loan and how does it work? Not sure whether to go fixed or variable with your home loan rate? The answer could be a split loan. It can offer the perfect balance.  The best of both worlds Choosing a variable rate home loan may be an easy decision. You’ll benefit from […]

Digital Wallet Conditions of Use Update Effective 12/09/25, the digital wallet terms and conditions were updated due to the introduction of digital cards. These conditions govern the use of all digital wallet providers that we support including Apple, Google, Samsung, Fitbit and Garmin (Note that Fitbit and Garmin are not available for new users). Separate […]

Digital cards are here. No card? No worries. Once processed by us, view your card details in the Mobile App and start using your card anytime, anywhere—even while you wait for your new one to arrive. Card holders now have access to digital cards. This will enable you to see your card details in the […]

Home Loan Key Facts Sheet Calculator This is an estimate for illustrative purposes only and is based on the limited information provided. It does not constitute an offer of credit. To apply for an Easy Street loan or Credit Card you must complete an application. Credit eligibility criteria, terms & conditions, fees & charges apply. […]

Change to card transaction limits We recently communicated that our card transaction limits would be changing.  The maximum total daily limit for card transactions is planned to increase from $1,050 to $2,000:  Please note that these changes have now been implemented. Last updated: 26 November 2025 The information contained in this article is only correct […]

It’s cheaper to own an apartment than rent in 1 in 5 suburbs While it almost always costs more to buy rather than rent a place, new research shows it can be cheaper to own an apartment than rent in one in five suburbs nationally. Buying a home is a major step, no doubt about […]

Planned System Outage From 5pm AEST 12 September to 14 September, our banking systems, including internet banking and the mobile app will be unavailable. Transaction limits will also apply. During this time, our staff will be available to assist with any general questions however account enquiries, transactions and application processing will be unavailable. What’s happening: […]

International Transfers via Internet Banking International Transfers via Internet Banking – coming soon From the 13th of September 2025, Members will now have access to the Convera International Transfer service via Internet Banking. This means that you will be able to send funds internationally via Internet Banking to 140 different currencies. Once logged in, simply […]

Your application is now submitted Thanks for applying! Our team will be working to progress your application shortly. What happens next? We may request additional information or details to support your application.  We’ll be in touch with you shortly to let you know what we need to progress your application. For any questions along the […]

Stay Safe from Scams this Tax Time Tax time is a peak period for scams. With more personal and financial information being shared, it’s important to be alert and know how to protect yourself. At Easy Street, we take your safety seriously, and we’re here to help you recognise the signs of a scam and […]

Skip TikTok for Tax Advice Tax time is here, and that can mean pocketing a juicy tax refund. But experts are warning about taking tax advice from social media platforms like TikTok.  Key points: Social media is not a reliable source for tax advice – be careful of misinformation and false claims. Following bad advice […]

Confirmation of Payee Feel more confident that your money is going where you intend it to, with Confirmation of Payee.  Extra layer of scam defence What is Confirmation of Payee? Confirmation of Payee is a new industry-wide service that aims to help keep your payments safer by providing an additional layer of protection when making […]

The High Price of Keeping Up Appearances Peer pressure? Give it a miss! New research reveals the high price of keeping up with the Joneses – and what’s behind ‘comparisonitis’. Key points: Many Australians feel financial pressure to appear wealthy This behavior often leads to mounting debt Focusing on personal financial goals is key to […]

Increases in Impersonation and Phishing Scams Easy Street has become aware to an increase in phishing and impersonation scams. What are Phishing Scams? The scammers use a sense of fear and urgency to encourage you to act quickly and use phrases such as ‘account compromised’, ‘unauthorised’, or ‘suspicious transactions’, or ‘you’ve been hacked’ to deceive […]

Breaking the pay cheque to pay cheque cycle What’s in this article: How to Understand and Manage Spending Learn to Establish Good Financial Habits Find Ways to Stay Consistent and Avoid Lifestyle Creep Research shows more than half of Australians run out of money before their next pay day,  but it is possible to break the […]

Anzac Day Public Holiday Closure Our call centre will be closed on Friday 25th April for Anzac Day and re-open as normal on Monday 28th April. You can still check your account balances or make transfers using Easy Street Internet Banking and Mobile Banking.

Easy Street Doubles Down With Winning Value At The 2025 Finder Awards Easy Street doubles down with winning value at the 2025 Finder Awards In a major boost for customer-owned banking, Easy Street – the online banking division of Community First Bank – has claimed two prestigious titles at the 2025 Finder Awards. Easy Street […]

Easter Public Holiday Closure Our call centre will be closed from Friday 18th April to Monday 21st April for the Easter Long Weekend and re-open as normal on Tuesday 22nd April. You can still check your account balances or make transfers using Easy Street Internet Banking and Mobile Banking.

Bank@Post Bank@Post gives you the ability to make deposits and withdraw cash at Australia Post branches. It’s safe, secure and ensures that you can bank anywhere Bank@Post is offered. We’ve partnered with Australia Post to help make everyday banking that much easier. With over 3,300 Post Offices providing access to banking services, you can conveniently […]

The number one home buyer regret (and how to avoid it) Buying a home is likely to be one of the biggest financial decisions of your life. And for the cost of a few hundred bucks you could avoid the most common home buyer regret. It’s an all-too common scenario: Home buyers weary of watching […]

Enjoy greater control over your cards Now you’ll be able to enjoy greater control, security and peace of mind with our planned updates to the Easy Street Mobile Banking App. Flexible card controls  Our new card controls are designed to give you greater control over the types of transactions you’d like to allow on your […]

We’re making changes to our home loan rates Important Update for Our Existing Home Loan members In response to the Reserve Bank of Australia (RBA) board’s announcement to decrease the cash rate by 0.25 of a percentage point, we are pleased to announce that effective 5 March 2025, most existing variable Home Loan holders will […]

Changes to General Insurance From 1st March 2025, Easy Street will no longer partner with CGU for the sale of insurance. This means that members will no longer be able to purchase insurance products such as home, motor, landlords and travel insurance with CGU via Easy Street. Rest assured, this will not affect existing policy […]

Understanding Credit Card Interest Ever wondered how your credit card interest works and when it rolls over again? We help to explain it.  Please note that the Easy Street Low-Rate Credit Card is no longer available for new applications from 18 February 2026. Credit cards may be a flexible and convenient way for you to […]

Australia Day Public Holiday Our call centre will be closed on Monday 27th January and re-open as normal on Tuesday 28th January. You can still check your account balances or make transfers using Easy Street Internet Banking and Mobile Banking.

Important update for cards in your mobile wallet If you use your debit card through a mobile wallet like Apple Pay, Google Pay, or Samsung Pay, there’s an important update you need to be aware of. A small number of multi-network debit cards need to be updated to ensure uninterrupted service starting 1 January 2025. […]

Credit card fee changes A change to our Low-Rate Credit Card Our Low-Rate Credit Card has long been recognised by industry awards for its outstanding value. Since interest rates were at an all-time low, and throughout a rising interest rate environment, our card has continued to offer one of Australia’s lowest ongoing credit card rates […]

1 in 10 Aussies don’t have an emergency fund Let’s face it. Growing savings isn’t always easy. There’s always a bill waiting to be paid, and well, spending is always more fun than saving. But there are two great reasons to have a stash of cash set aside in a savings account. First, it lets […]

Delay to Currency Conversion Fee changes We previously communicated that from 1 December 2024, we’ll be updating our Summary of Accounts, Availability of Access Facilities and Transaction Limits, Conditions of use and Fees and Charges to reflect changes to when international conversion fees may apply. Please note these changes will now be implemented on 9 […]

A guide for Power of Attorney What is a Power of Attorney? It is defined as a legal document made by one person, who is called the ‘principal’ that allows another person to do things with their money on their behalf. This includes bank accounts, shares, real estate and other assets. In some cases, the […]

Australians set to spend $1000 each on Christmas It’s that time of year when stores compete for shoppers’ wallets, and for consumers that can make the holiday season a real budget buster. Research by Deloitte shows consumers are planning to spend an average of around $1,000 each on Christmas this year 1 . But faced […]

Changes to fees and charges We’ve recently made some changes to our Fees and charges. On 1 November 2024, we removed the $20 Periodical Payment Dishonour Fee and the $5 Account combination Fee from all Easy Street products. If you would like to view our current Fees and Charges schedule, click here.

A change to our Currency Conversion Fee and international transactions From 1 December 2024, we’ll be updating our Fees and Charges, Summary of Accounts and Transaction Limits and Account and Access Facility Terms and conditions brochures to reflect changes to when international conversion fees may apply. Easy street charges an International Conversion Fee of 3% […]

Notice of 2024 Annual General Meeting The Community First Annual General Meeting will be held on Thursday 28 November 2024. The Annual General Meeting of Community First Credit Union Limited ACN 087 649 938 trading as Community First Bank (Community First) will be held on Thursday, 28 November 2024 at 2.00pm at 67-73 St Hilliers […]

Why rental yields can matter for investors Like the sound of a 9% rental yield? How about 13%? For investors keen on pocketing healthy rent returns at a time of high interest rates, it pays to know where to look. Price growth tends to hog the headlines. But rental income can go a long way […]

Stop scammers in their tracks First the good news. In 2023, money lost to scams was down by 13% compared to 2022 1. The bad news? Last year saw Australians collectively lose $2.74 billion to scams2. Worryingly, these numbers could be the tip of the iceberg. Around one in three victims do not report a […]

Firing up towards early retirement What is the FIRE movement? Retirement involves permanently exiting the workforce and relying on a mix of superannuation, savings, and other investments for income. If you aim to hang up the work boots early through the FIRE movement, you should focus on two key concepts: your FIRE number and the […]

Easy Street wins Best Small Customer-Owned Bank award Easy Street is the online division of Community First, and through 2024 we have cemented our long track record of collecting industry awards. Earlier this year, Easy Street was crowned Home Loan Provider of the Year in Finder’s Home Loan Awards. The Finder awards showcased the best […]

5 game-changing trends revolutionising banking and payments In an increasingly digital age, the way we do things tends to change pretty quickly, and banking is no exception. Payment processes will likely change even further in the future.  While many customers love their new ways of banking, some will miss habits of the past, such as […]

Important changes to Apple Pay transactions From September 2024, there will be important changes to our Debit Cards in Apple Pay which will impact how Apple Pay Mobile Wallet transactions are routed and processed.  What’s changing?  All Community First Debit Cards are Multi-Network Debit Cards meaning you can make transactions using either the EFTPOS or […]

Domestic violence support Financial abuse occurs when someone restricts your access to money, influences your financial decisions unfairly, or uses your money without permission. Understanding this can empower you to seek help and regain your financial independence. Also, a form of domestic violence, financial abuse occurs against a backdrop of other types of abuse, such […]

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Thank you! We’ve received your request for a debit card.  You’ll receive your debit card in the mail within 10 days. Your PIN will be mailed separately. If you don’t receive your card or PIN within 10 days, please contact us on 1300 13 14 65.

Why BankStatements .com.au? We’re all about using processes that offer a better, more secure experience. When you apply for a loan with us, we’ll ask you to use BankStatements.com.au to transmit your bank statements. It’s a trusted, secure online platform used by many of Australia’s largest financial institutions. It’s significantly faster, reduces paper waste, enhances […]

Rate Lock For fixed rate home loan applications Protect against possible rate rises prior to your loan settling. Rate lock will apply for 90 days. Certainty If applying for a fixed rate home loan, protect against rate rises prior to settlement by locking in the interest rate current on the day your full application 1 […]

Gambling transactions now blocked on credit cards From 18 April 2024, changes will be applied on credit cards With the introduction of the Interactive Gambling Amendment (Credit and Other Measures) Bill 2023 by the Federal Government, credit cards, amongst other payment methods, can no longer be used as a way to pay for interactive wagering […]

When can mortgage holders expect rates to fall? Predicting interest rate movements is notoriously difficult. Plenty of pundits have got it wrong. The Reserve Bank has kept rates in a holding pattern – for now at least. While there is speculation around the future path of rates – up or down, what matters is that […]

Fraudulent website mirrors AUSTRAC A fraudulent website has been created by scammers to mirror some of the content on the AUSTRAC website. Message from AUSTRAC We have identified a fake AUSTRAC website. This fraudulent website mirrors some of the content on the AUSTRAC website and uses the URL “https://austracs.com”. We believe this website has been […]

Tips for first time renters Moving into a rental is a big step. Here’s how you can plan ahead and be prepared to make the experience a positive one. Know your budget Taking a few minutes to sort a budget lets you know what you can afford to pay in rent. Don’t forget to include […]

6 simple steps to take each pay day Stretch your pay further, six simple steps each pay day. No matter whether you’re paid weekly, fortnightly or monthly, a little forward planning can help you stretch your pay further, get to know your money habits better, and plan ahead. Here are six steps to try every […]

Scammers target customer loyalty programs The scam starts with consumers receiving a text message or email stating their loyalty points are expiring. Scammers target customer loyalty programs Taking a few minutes to sort a budget lets you know what you can afford to pay in rent. Don’t forget to include utilities like electricity plus basics […]

Time – why it can be your best tool for making money on your property Making money on your property, no matter whether you’re a homeowner or investor, time could be your best tool for making money. No matter whether you’re a homeowner or investor, there there’s a straightforward approach that can help you succeed. […]

Easy Street crowned Home Loan Provider of the Year Easy Street crowned Home Loan provider of the year for 2024. Finder’s Home Loan Awards have called out the best home loan offerings on the market for several years. This year, Finder looked at interest rate and fee data across 12 awards categories to find the […]

A friendly fee reminder A friendly reminder about our fees and charges. Overseas cash advance fee The overseas cash advance fee of $5, which is disclosed in our fees and charges schedule, has not been charging to Easy Street Low Rate Credit Cards. From 1 February 2024, the fee will be payable moving forward in […]

Scammers target selling on social media Social media also connects us with complete strangers. And not all of them are who they claim to be. The ACCC says scams on social media platforms continue to be “of significant concern” Social media scams a ‘significant concern’ Social media also connects us with complete strangers. And not […]

Enhanced security measures to become mandatory Over the past 6 months we’ve been working hard to uplift the security of our internet banking and mobile app to better protect our members. These changes have included the introduction of one-time passwords and stronger password rules. Up until now, these enhanced security features have not been made […]

Tips to pocket some savings With the rising cost of living thanks to higher fuel and commodities costs, mortgage repayments and more, there are numerous ways you can soften the financial hit. 1. Plan your grocery trip to avoid buying unnecessary items Shoppers continue to feel the pinch at the supermarket checkout, and by planning […]

How to REALLY compare home loans When selecting a home loan, it’s essential to understand how much a loan could cost you each year, particularly when comparing different loans. The interest rate isn’t the only cost The interest rate you pay on a home loan may be just one of the costs you’ll wear. Home […]

5 tips for preparing to come off your fixed rate home loan There are ways you can prepare for coming off the fixed rate period, here are our tips. Over the past year, we’ve seen a rapid increase in interest rates, and the trend continued with the latest RBA announcement in May. In fact, this […]

Easy Street recognised in Finder’s 2023 Home Loan Awards Take a look at our Award Winning Home Loans and what sets us apart. Just as the name suggests, Easy Street keeps things…easy. That’s probably why it took our the award for the Best investor 1 Year Fixed Home Loan at the Finder Home Loan Awards […]

5 Tips to make the most of your holiday Follow our 5 tips to enjoy a well-deserved vacation with less financial stress and packed with extra value! Who couldn’t do with a holiday right now? No matter whether your dream holiday involves lazing on the beach, carving up the snow, or ticking off your bucket […]

Are scams becoming more common? If you think scams are becoming more common, you’re right. The good news is that we’re less likely to fall for them. The latest figures from the Australian Bureau of Statistics 1 (ABS) show 65% of Australians – that’s 13.2 million of us – were exposed to a scam last […]

6 Things to do each pay day Who doesn’t love pay day? Pay day can be a chance to get more from your money with 6 easy-as steps. No matter whether you’re paid weekly, fortnightly or monthly, a little forward planning can help you stretch your pay further, get to know your money habits better, […]

You can now set a stronger Internet Banking password Changes to our internet banking passwords to improve your online banking security. As you’d be aware, we’ve been working on upgrading our online banking services to offer greater security and convenience for members. The next feature we’re making available is the ability for members to set […]

Online lender Easy Street wins five gongs from Canstar Easy Street has won five Canstar Home Lender of the Year awards – a record for the online bank. Online lender Easy Street Financial Services, a Community First Credit Union division, has won five prestigious 2023 Canstar ‘Home Lender Awards’, including Outstanding value – Home Lender […]

Outsmart a scammer and keep your money safe It’s crucial to stay informed about tactics used by scammers, to avoid them gaining access to your money. A recent scam has been reported of people receiving a phone call where a recorded message plays. An example is getting a call from Telstra where they say there […]

Applying for a loan You can apply for any of our home loans online or by calling 1300 13 14 65. Who can apply? You can apply if you: Are over 18 years of age Have a regular income Are not or have not been bankrupt (including Part IX agreements) Are an Australian citizen or […]

Important tips to protect your money Explore the various ways you can keep your PINs and passcodes secure as well as how to properly safe guard your cards and devices. There are many simple and effective ways to further protect your money. From setting strong passwords to being mindful of who is around when you […]

Important secure banking upgrade We’ve made an important upgrade to our Internet Banking and mobile app, find out the changes here. What’s changing? Enhanced security is a key focus of this phase of the upgrade so we can improve the protection of your money and personal information. Here’s what’s changing: An SMS ‘One-Time Password’ (OTP) […]